Home Insurance in Rock Island, Illinois
With a median home value of $125,900, Rock Island is 16% lower than the Rock Island County median.
The typical home in Rock Island was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 14 points above Rock Island County's 46%.
In Rock Island, the housing stock is 72% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 58% of owner-occupied homes in Rock Island have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Rock Island are owner-occupied.
Most homes in Rock Island - 78% - are primarily heated with natural gas.
Rock Island County had 788 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Rock Island County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $125,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Rock Island County | 788 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)